Interest Rates Certified by Datatrac

Rates

Rates effective as of June 1, 2016

Rates may change after accounts are opened. Fees may reduce earnings.

APY = Annual Percentage Yield

APR = Annual Percentage Rate

Kasasa Cash*

CheckingDividend Rate APY
Balances up to $10,0002.97%3.01%
Balances over $10,0000.25%3.01% to 0.50%
All balances if qualifications are not met0.05%0.05%

To earn rewards, each monthly qualification cycle:

  • Have at least 12 check card purchases post and settle
  • Be enrolled and receive eStatement notice
  • Be enrolled and log into online banking

Kasasa Saver*

SavingsDividend RateAPY
Balances up to $10,0000.747%0.750%
Balances over $10,0000.255%0.750% to 0.300%
All balances if qualifications are not met0.0500.050%

To earn rewards, each monthly qualification cycle:

  • Have at least 12 check card purchases post and settle
  • Be enrolled and receive eStatement notice
  • Be enrolled and log into online banking

Savings Rates

Account TypeDividend Rate APY
Regular Shares
($5 minimum to open)
($50 and over)
0.10%0.100%
Christmas & Vacation Club/Auxilliary Accounts0.10%0.100%
Share Draft/Checking0.00%0.000%
Individual Retirement Accounts0.25%0.250%
High Yield Account (formerly Money Market)
$2,500 – $9,999.990.210%0.210%
$10,000 – $24,999.990.220%0.220%
$25,000 and over0.240%0.240%

High Yield dividend rates change monthly based on market conditions. For full details, see the High Yield Disclosure.

Certificate Rates

TermDividend RateAPY†
6 months0.300%0.300%
1 year0.500%0.500%
2 years0.698%0.700%
3 years0.847%0.850%
5 years1.342%1.350%

†NOTE–Members have the opportunity to "Step Up" to a higher rate (should rates increase) one time during the certificate term. Minimum to open any Certificate is $500. There is a substantial penalty for early withdrawal. The penalty is an amount equal to 90 days worth of interest on the amount withdrawn whether it is earned or not. (This may reduce the principal of your Share Certificate.) If the certificate falls below the minimum required, the account will be closed and the penalty will apply to the full amount.


Fee Schedule (Note: Fees may reduce the overall earnings on the account)

Truth In Savings Disclosure

Funds Availability Policy

Loan Rates

Type of LoanTerm/RequirementsAPR As Low As:†Monthly Payment (Per $1,000 Borrowed at Quoted Rate)
New or Used Auto/Truck60 months 1.99%‡ $17.53
72 months2.49%‡$14.97
84 months2.99%‡$13.22
Auto used as collateral60 months4.25%‡$18.54
Other Secured (Motorcycle, Boat, RVs, etc.)60 months5.75%‡$19.22
120 months6.75%‡$11.49
Home Equity Line of Credit80% Loan to Value (up to 15 years)Prime minus 1%
(4% APR Floor)
$7.40 for 15 years
Home Equity Fixed Loan80% Loan to Value up to 7 yrs4.99%$14.14 for 7 years
80% Loan to Value up to 15 yrs5.49%$8.17 for 15 years
Signature60 months10.50%‡$21.50
84 months11.50%‡$17.39
Overdraft Protection10.50%‡$21.50
MasterCardRevolving9.50%
Secured MasterCardRevolving7.50%
MasterCard Credit BuilderRevolving9.50%
Share Secured3.00%
Certificate SecuredLowest car rate plus certificate rate
MortgageFixed rate and term or Adjustable Rate MortgagesFor rates call Financial Security Consultants at 410-823-3300.

†Rates based on credit history and may be higher.

‡APR reflects 1/4% discount for Automatic Payment Transfer or Payroll Deduction. Add 1/4% back if repaid otherwise.


Interest rates are subject to change without notice.